Net Worth Calculator

Calculate a point-in-time net worth from asset and liability values you enter locally in your browser.

UniversalAll Asset TypesFree & Private

Net Worth Calculator

Assets
Liabilities
Your Net Worth
Total Assets
Total Liabilities
Debt-to-Assets Ratio: 0%

Frequently Asked Questions

Net worth snapshot

Calculate assets minus debts without losing liquidity context

Enter current asset values and outstanding liability balances measured on the same date.

  • What you get: total assets, total liabilities, net worth and the debt-to-asset ratio.
  • How it works: net worth equals entered assets minus entered liabilities.
  • What to check: use defensible current values, avoid double counting and update debt balances from statements.

Private local calculation. Values are not saved by this page, and the result is not a valuation or financial recommendation.

Frequently Asked Questions

What date should values use?

Use the same as-of date for assets and liabilities so the subtraction is meaningful.

Are entries saved?

No. This page calculates in the browser and does not persist the entered financial values.

How should uncertain values be handled?

Use a supportable estimate and consider low and high scenarios rather than presenting an uncertain private asset as exact.

Is there a universal net-worth target by age?
No. Circumstances, currencies, household structure, pensions and obligations vary. Use consistent definitions to monitor your own figures rather than treating a generic multiple as a requirement.
Should I include my house in net worth?
Yes, include the current market value of your home. However, your primary residence is an illiquid asset — you can't easily access that wealth without selling. It's useful to calculate both "total net worth" (including home) and "liquid net worth" (excluding home) to understand your financial flexibility.
How do I value a private business?
Do not apply an unsupported generic multiple. Use a recent arm's-length valuation or a defensible method appropriate to the business, and show uncertainty separately.